Russellville, AL · Cert 26021 · Valley Bancshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.15% | 1.25% | 1.18% | 1.36% | 1.37% | +22 bps | |
| Return on Equity | 6.34% | 6.95% | 6.70% | 7.99% | 8.08% | +174 bps | |
| Net Interest Margin | 3.62% | 3.71% | 3.49% | 3.48% | 3.60% | -2 bps | |
| Efficiency Ratio | 61.06% | 58.38% | 59.48% | 55.77% | 53.21% | -785 bps | |
| Non-Interest Burden | 2.12% | 2.07% | 1.98% | 1.84% | 1.81% | -31 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.68% | 7.32% | 9.88% | 16.24% | 13.58% | +1,290 bps | |
| Loan Growth (YoY) | 0.97% | 4.13% | 4.18% | 7.01% | 11.37% | +1,040 bps | |
| Deposit Growth (YoY) | -0.95% | 7.34% | 9.73% | 17.72% | 14.77% | +1,572 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.72% | 1.16% | 0.96% | 0.79% | 0.97% | +25 bps | |
| Net Charge-Offs / Loans | 0.09% | 0.01% | 0.03% | 0.00% | 0.01% | -8 bps | |
| Allowance / Loans | 2.24% | 2.40% | 2.43% | 2.20% | 2.21% | -3 bps | |
| Allowance Coverage of NPLs | 3.1x | 2.1x | 2.5x | 2.8x | 2.3x | -0.8x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 18.96% | 18.75% | 18.01% | 17.60% | 17.80% | -116 bps | |
| Total Risk-Based Capital | 18.96% | 18.75% | 18.01% | 17.60% | 17.80% | -116 bps | |
| Equity / Assets | 18.13% | 17.87% | 17.46% | 16.70% | 17.26% | -86 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 66.27% | 65.26% | 63.29% | 61.61% | 64.31% | -196 bps | |
| Liquid Assets / Assets | 9.50% | 10.17% | 7.33% | 8.49% | 6.79% | -271 bps | |
| CRE / Total Capital | n/a | 45.60% | 48.16% | 46.78% | n/a | n/a | |